Kugadzirisa kuparidzirwa kwechokwadi mune kadhi rako rechikwereti
Chimwe chezvinyorwa zvisiri izvo vakawanda vanofambira vanoenda mumugwagwa vane pfungwa yokuti vane inshuwarisi yekufamba, nekuda kwekadhi ravo rechikwereti. Asi hutano hwekufambisa iyo vanofambisa vanofunga kuti vane, maererano nehuwandu hwehuwandu hwavanenge vaine hungave zvinhu zviviri zvakasiyana.
Nepo kugoverwa kubva kune kadhi rechikwereti kunogona kuva kwakanaka (zvikurukuru munyaya yekubhadhara motokari ), zvingave zvisina kudzivirirwa zvakakwana pane zvose zvinogona kuipa.
Heano pane zvitatu zvakavanzika izvo rako rekwereti yekwereti yekwereti haifaniri kuvhara kana uri mumugwagwa.
Nzira Yokubhadhara Inosarudza Kufamba Inhamba Yveshuwarenzi
Vakawanda makadhi ekukwereta vachakupa "mavhesi" ekufambiswa kwehutano inshuwarheni sechikamu chechibvumirano chako chekadhi, achikubvumira kuti uise pfungwa dzako pane urongwa hwekufamba. Muchidimbu chakanaka, zvakadaro, ndeimwe yemashoko ekutanga ekutenderera kwekadhi rako rechikwereti: unofanira kubhadhara mafirimu ako nekadhi rako rechikwereti.
Iwe unopa mari yakawanda sei nekadhi yako isati yaenda iwe kufamba zvichienderana neunofamba iwe. Kune vamwe, kungobhadhara huwandu hwekufamba kwako pamakadhi ako kuchaita kuti iwe uwane mafambisi ekufambisa inshuwarheni. Kune mamwe makadhi, iwe uchafanirwa kubhadhara mari yakazara yekufamba kwako pane kadhi rechikwereti isati yambofambiswa nehutano inshuwarheni. Iva nechokwadi kuti iwe unonzwisisa kuti ndezvipi zvekufamba kwaunofanira kubhadhara pakadhi rako kuitira kuti uwane ruzivo rwekufambiswa kwehutano inshuwarheni.
Chimwe chinyorwa pamusoro pemari yekubhadhara uye kufamba inshuwarisi: kana iwe uchibhadhara nokuda kwekufamba kwako nemakadhi kana makirasi akawanikwa kubva kune kadhi rechikwereti, chero inshuwarisi yekufamba ingasapfuurira kuvhara pfungwa idzi nemakiromita. Iva nechokwadi chekutarisa yako kadhi rechikwereti marongerwo ekuti uone kuti mapeji nemakiromita anoremekedzwa kana zvasvika pakuenda inshuwarisi.
Primary Vs. Secondary Travel Insurance
Imwe yemibvunzo mikuru inobvunzwa nekadhi rechikwereti yekufambisa inishuwarenzi ndeyokuti kugovera kwako kunokosha kana kuti yechipiri. Kuziva chinhu ichi chinokosha chemashoko kunogona kukubatsira kuziva kuti iwe ungaisa sei kudai panguva kana shure kwekufamba kwako.
Muzviitiko zvizhinji, kunyanya kugoverwa kwako kuchave iyo inishuwarenzi yako yaunenge uine vanhu vako neimba yako - kusanganisira yako auto insurance, home insurance, kana umbrella inshumo. Secondary coverage (kana kuti supplemental coverage) inoshandiswa chete kana yako huru yekuvhara kwayo yapera. Pane imwe nguva kubvunzurudzwa kunoongororwa nemutungamiri wekutakura uye kugadzirisa kunoitwa, kuvhara kwechipiri kunogona kuvhara zvakasara pamusoro. Zvisinei, kuvhara kwechipiri kazhinji nguva inouya neine zvakatemwa zvinoda kusangana kuitira kuti zvive zvakanaka.
Usati wagadzikana nekadhi rako rechikwereti yekufambisa inshuwarisi, ita nechokwadi kuti unonzwisisa kana chiri chekutanga kana chekondari. Kana iyo iri purogiramu yechipiri chete, iwe unogona kufunga kufunga nezvekufambisa kwekufambisa inshuwarheni nzira yekufamba kwako.
Per Claim kana Per Event Kufamba Inishuwarenzi
Chimwe chekufungidzira kwakakura vanofambira vanoita nekadhi ravo rechikwereti inshurensi ndeyokuti inogona kuvhara mamiriro ezvinhu akajairika, pasinei nenhamba yezvaunoda kuti iwe uise.
Zvichienderana nekutaura kwako, iwe unogona kumanikidzwa kubhadhara kune munhu wese, uye nokuda kwezvaunenge uchitaura sechiitiko chekufambisa.
Usati waenda parwendo rwako, zvakakosha kuziva kana kadhi rako rekukweretesa kadhi rechikwereti rinotarirwa nechirevo chega, kana nechiitiko. Kana iwe maitiro ako ekufambisa ari kudai, ipapo iwe unogona kukamanikidzwa kubhadhara chero upi zvake (zvakadai seducucbles) kune zvese zvaunenge waita. Asi kana inshuwarisi yako ichibva pane chimwe chiitiko, ipapo chiitiko chako chekufambisa chichatariswa sechiitiko chimwe chete chakakwana, zvinoreva kuti iwe ungangodaro wakabhadharwa kana kuti kubhadhara mari yakawanda yekuita. Saka, kana iwe waizova nezvirevo zvakawanda (zvakadai sekutakura kutakura uye kufamba kunonoka parwendo rumwechete) neurongwa hwehupfambisi yehufambi iyo inotarisira zvikwereti pamusangano, iwe unobhadhara chikwereti chimwechete chakakonzerwa nezvose zvawakataura. Zvisinei, kana inshuwarisi yako yakavakirwa pamusana pekuda, iwe unogona kuva nemhosva yekubhadhara zvakanyanya pane zvose zvinonzi.
Kunyange zvazvo inshuwarheni yekufambisa inowanikwa nekadhi kadhi rechikwereti yakanaka, inogona kunge isingave seyokuzara zvakakwana sezvaunofunga. Nokunzwisisa nzira iyo inshuwarisi yako yekushanda inoshanda, unogona kuve nechokwadi kuti uri kuwana kugovera kwakanakisisa kwezvinhu zvako, pasinei nokuti unoenda kupi.